The U.S. Court of Appeals for the Sixth Circuit held on August 23 that shoe retailer DSW Inc. was entitled to coverage under a computer fraud rider to its corporate crime policy for losses resulting when a hacker stole customer credit card and checking account information from the company’s main computer system. Retail Ventures, Inc. v. National Union Fire Ins. Co. of Pittsburgh, PA., No. 10-4567/4608 (6th Cir. Aug. 23, 2012). The hacker stole data concerning more than 1.4 million customers using the wireless network at one DSW store to download the information, and then used the data in a series of fraudulent transactions. DSW sought coverage for expenses it incurred for customer communications, public relations, customer claims and lawsuits, and attorney fees in state and federal investigations related to the hacking incident. Applying Ohio law, the court rejected the insurer’s claim that the policy was a fidelity bond covering only the insured’s own losses and not its liability for the losses of others, finding that the label given to the policy did not override the plain and ordinary meaning of the policy wording. The court rejected the insurer’s argument that the policy only covered “direct” losses, finding that the policy’s limitation of coverage to losses “resulting directly from” the theft of insured data did not unambiguously require the loss to result “solely” or “immediately” from the theft. The court also concluded that a trade secrets exclusion did not apply to the loss.